| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 5.39% |
| PATRICK THOMAS FLANAGAN3 | 3048 S WENTWORTH AVE MILWAUKEE, WI 53207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 22.67% |
| GRANT W GARSON3 | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $774 | $213 | $987 | 9.35% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES SC | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $774 | $163 | $937 | 8.87% |
| STERLING WEALTH MANAGEMENT LLC3 | 245 REGENCY CT BROOKFIELD, WI 53045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $499 | $199 | $698 | 6.61% |
| DELORES A MENDELS3 | W6325 GOOSE CREEK CIRCLE GREENVILLE, WI 54942 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $12 | $434 | 4.11% |
| DANIEL R DEDRICK3 | 1899 CYPRESS DRIVE GRAFTON, WI 53024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 2.03% |
| GRANT P LUBIN3 | 3822 N 102ND STREET WAUWATOSA, WI 53222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $6 | $124 | 1.17% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 382 | $1.8M |
| Dental | DELTA DENTAL OF WISCONSIN | 103 | $76K |
| Vision | VISION SERVICE PLAN | 97 | $9K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 31 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.